Best Cheap Auto Insurance in Huntsville, Texas (2024)

Huntsville drivers can find the cheapest car insurance rates from State Farm, GEICO, and Mile Auto.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated February 14, 2024 at 7:34 AM PST

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Huntsville drivers pay $171 per month for car insurance, a little bit less than the overall state average of $178 per month. Liability-only coverage costs an average of $105 in Huntsville, while full coverage averages $238 per month.

The Rocket City’s relatively small population of about 47,000 and low auto theft rate may partly contribute to its affordable car insurance. But if you want to lower your rates even more, you have ways to do so. Here’s what you need to know about finding cheap car insurance in Huntsville, Texas.

Quick Facts
  • Texas insurers can consider your credit history when determining your premiums.

  • Huntsville teens pay an average of $292 per month for car insurance.

  • Texas is an at-fault state for car insurance, which means the insurer of the at-fault driver is responsible for paying damages in an accident.

Find Cheap Car Insurance in Huntsville, Texas

Rates start as low as $105 for liability coverage

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Best car insurance companies in Huntsville

Car insurance companies look at several factors to determine your premium, including your age, ZIP code, driving record, and vehicle type. Insurers may offer different rates for the same coverage, so it’s crucial to compare car insurance companies before buying a policy.

You can jump-start your search by checking out some of the top insurance companies offering cheap rates in Huntsville, Texas.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

State Farm offers Huntsville drivers some of the cheapest rates. When combined with plenty of discount opportunities and affordable coverage, this insurer is a good choice for drivers on a budget. A high customer satisfaction rating makes State Farm an even more attractive option.

Pros
  • Above-average J.D. Power customer satisfaction rating in Texas

  • Relatively low average rates

Cons
  • No gap insurance options

  • Not the cheapest for every driver

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for veterans: USAA

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$66/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo

USAA offers a range of financial products to military members, veterans, and their families. In addition to auto insurance, you can find home insurance, life insurance, renters insurance, and banking services. With a high customer satisfaction rating and AM Best financial strength rating of A++ (Superior), USAA is an excellent choice if you qualify for coverage.

Pros
  • Highly rated mobile app

  • Safe drivers can save up to 30% through the SafePilot program

Cons
  • Only available to veterans, military members, and their families

  • Customer support unavailable on Sunday

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo

GEICO is one of the largest insurers in the country, offering a wide range of coverages. It has affordable rates, a variety of discounts, and an accident forgiveness program. It also has an excellent financial strength rating of A++ (Superior) from AM Best.

Pros
  • Many available discounts

  • Offers accident forgiveness

Cons
  • Below-average J.D. Power customer satisfaction rating in Texas

  • No rideshare insurance

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Huntsville

You must have liability car insurance to drive legally in Texas.[1] With this minimum coverage, your insurance company will help you pay for another party’s medical expenses and vehicle repairs after an at-fault accident.

As the most bare-bones option, it’s usually the cheapest type of insurance. Huntsville drivers pay an average monthly rate of $105 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm37
GEICO40
Mile Auto48
Allstate53
USAA66
Safeco79
Nationwide89
Mercury92
Midvale Home & Auto92
Progressive92
Dairyland100
Clearcover107
Chubb112
National General115
Liberty Mutual117
Elephant119
Commonwealth Casualty122
Direct Auto129
21st Century130
GAINSCO139
The General142
Bristol West154
AssuranceAmerica163
State Auto171
Infinity178
Foremost207
Hallmark218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Huntsville

Full-coverage car insurance adds comprehensive and collision coverages to your policy, along with your minimum liability insurance. If you collide with another car or object, collision coverage will help you repair or replace your vehicle. Comprehensive coverage pays for damage from non-collision events, like weather, theft, and vandalism.

If you have an auto loan, the lender may require you to carry this type of insurance. But the robust coverage might be a good option for you, even if you’ve already paid off your vehicle. Vehicle damages can add up very quickly, leaving your pocket hurting.

On average, full coverage costs Huntsville drivers $2,852 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm61
GEICO67
Allstate87
Mile Auto92
USAA110
Clearcover134
Mercury146
Travelers150
Nationwide153
Progressive159
Midvale Home & Auto165
Safeco168
Chubb187
Elephant188
21st Century216
AssuranceAmerica217
Direct Auto231
Liberty Mutual236
Dairyland248
National General256
Infinity266
Bristol West273
The General280
GAINSCO303
Commonwealth Casualty304
State Auto313
Foremost387
Hallmark421
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

The Lone Star State requires drivers to carry a minimum amount of insurance to legally operate a vehicle.[1] In this at-fault state, you’ll need insurance that at least meets the following requirements:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

In Texas, all insurers must include a minimum of $2,500 in personal injury protection per person per accident in all auto policies.[2] This coverage helps with your medical expenses if you’re injured in an accident, as well as a percentage of lost wages and other associated costs. If you want to refuse this coverage, you must do so by writing to your insurer.[1]

Liability-only coverage is a bare minimum option. If you want more financial protection, consider the following coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for repairs to your vehicle after a collision with a vehicle or another object, like a tree or telephone pole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays to repair or replace your vehicle after damage from a non-collision incident, like severe weather or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Underinsured/uninsured motorist coverage pays for damages if you get into an accident with a driver without enough insurance.

Cheapest car insurance for drivers with an incident

Huntsville drivers with a clean record tend to pay less for insurance than drivers with incidents on their driving record. Speeding tickets, at-fault accidents, and driving under the influence (DUI) can all negatively affect your car insurance costs. Insurance companies tend to think of drivers with a checkered past as a higher risk to insure, which leads to higher premiums.

Find Car Insurance in Huntsville, TX

Rates start at $45 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket

Insurance companies tend to charge higher premiums for drivers with a speeding ticket. How much your rates will increase depends on how fast you’re going and how many speeding tickets you already have on your record.[3]

Huntsville drivers with a speeding ticket face an average monthly cost of $145 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7646
GEICO8551
Allstate11067
USAA13983
Mile Auto14073
Clearcover178142
Nationwide195114
Progressive208120
Mercury211133
Midvale Home & Auto221123
Safeco228107
Elephant239151
Chubb240144
21st Century285171
AssuranceAmerica298224
Direct Auto307172
Liberty Mutual321159
Dairyland323130
National General326146
Bristol West350197
Infinity355238
The General365185
Commonwealth Casualty374150
GAINSCO374171
State Auto441241
Hallmark546282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Cleaning up after an at-fault accident is often complicated and expensive. Beyond the initial costs, an at-fault accident usually leads to higher insurance premiums because it indicates you may be a risky driver.[3]

In Huntsville, drivers with at-fault accidents pay an average of $252 per month for auto insurance. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8250
GEICO9154
Allstate11872
USAA14989
Mile Auto15179
Nationwide209121
Clearcover220175
Mercury225142
Progressive225130
Midvale Home & Auto241134
Safeco249117
Chubb255152
Elephant257163
21st Century302181
AssuranceAmerica311234
Direct Auto329184
Dairyland342138
Liberty Mutual343170
National General350157
Infinity353236
Bristol West367207
The General392199
GAINSCO403185
Commonwealth Casualty413166
State Auto472258
Hallmark547283
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence (DUI) was a contributing factor in a significant number of fatal crashes in Texas in 2021.[4] The high stakes of this risky behavior often lead insurance companies to charge higher rates for drivers with a DUI on their driving record. Some insurers may even refuse to provide you coverage after a DUI.

The overall average monthly cost of car insurance with a DUI in Huntsville is $286 — significantly higher than the average for a driver with a clean record. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9860
GEICO10865
Allstate14085
Mile Auto14877
USAA177106
Clearcover216173
Mercury239150
Nationwide247144
Progressive256148
Midvale Home & Auto266148
Safeco271127
Chubb302181
Elephant303192
Direct Auto336188
21st Century348210
AssuranceAmerica350263
Liberty Mutual381189
Dairyland400161
National General413185
Infinity429287
Bristol West440248
Commonwealth Casualty441177
The General452229
GAINSCO489224
State Auto505276
Foremost624334
Hallmark679352
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Senior drivers in Huntsville often start to see their car insurance costs rise around age 75. Insurers see senior drivers as riskier than most other age groups and charge them higher rates to make up for the increased risk.

Huntsville seniors can find liability rates as low as $26 per month. Below are the average monthly car insurance quotes for seniors in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm3119
GEICO3722
Allstate4930
Mile Auto5428
USAA6338
Progressive7242
Nationwide7544
Chubb8853
Mercury9258
Clearcover10886
Elephant10868
Safeco11353
21st Century11569
AssuranceAmerica12392
Direct Auto12771
Liberty Mutual13768
Dairyland15261
Bristol West16191
National General17076
The General18694
Commonwealth Casualty19277
GAINSCO19690
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers’ lack of experience behind the wheel tends to translate into higher car insurance premiums. But teen drivers can still find savings by shopping around, seeking good student discounts, driving a safe vehicle, and sticking with their parents’ insurance policy.[5]

On average, teen drivers in Huntsville pay $179 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm10262
GEICO10361
Allstate14991
Mile Auto17189
USAA177106
Clearcover235188
Nationwide255148
Mercury262165
Progressive279162
Safeco295139
Elephant305193
Midvale Home & Auto307171
Chubb336201
21st Century352212
Dairyland393158
Liberty Mutual395196
AssuranceAmerica400300
Direct Auto410229
The General436221
Bristol West443250
National General474213
Infinity483323
Commonwealth Casualty525211
GAINSCO537246
State Auto549300
Foremost679363
Hallmark790409
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Huntsville

Huntsville drivers must carry a minimum amount of insurance. But that doesn’t mean you have to overpay for this unavoidable expense. Here’s a look at some strategies for locking in the best rates:

  • Look for discounts. Always look for discount options before finalizing your policy. Most insurance companies offer a variety of discounts, so you likely qualify for one or two.

  • Shop around. Every insurer looks at your situation differently, providing varying rates. Comparing quotes from different companies can help you find the best rate.

  • Raise your deductible. A higher deductible usually leads to lower premiums. This might be a good option if you have the money to pay for a higher deductible out of pocket.

  • Bundle your home and auto policies. Many insurance companies offer a discount for purchasing multiple insurance policies.

Shop for Car Insurance in Huntsville, Texas

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Huntsville car insurance quotes by credit tier

Texas allows insurance companies to consider your credit score to determine premiums.[6] Auto insurance companies have determined that drivers with excellent or good credit scores are less likely to file a claim, so these drivers often pay lower rates. In contrast, drivers with poor credit scores tend to pay more for car insurance.

Explore average car insurance costs by credit score below:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Huntsville?

The overall average price of car insurance in Huntsville is $171, slightly less than the state average of $178. However, it’s a bit more expensive than the national average of $139.

Rates vary from city to city within the Lone Star State. For example, Houston drivers pay more than drivers in Huntsville, with an average monthly quote of $232. But Austin, El Paso, and Fort Worth drivers often pay less. It’s important to compare quotes from multiple insurers before buying a policy.

More cities in Texas

Drivers face different car insurance rates based on a range of factors, including location. Drivers generally pay more for insurance in urban areas with more traffic and higher crime rates. In contrast, drivers in rural areas with less congestion tend to pay less.

Compare the average quotes for other cities in Texas below:

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Arlington$125$235
Austin$129$218
Dallas$139$265
El Paso$93$206
Fort Worth$123$232
Houston$168$296
Irving$135$262
Plano$123$229
San Antonio$125$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Huntsville car insurance FAQs

Finding the right car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Huntsville.

  • How much is car insurance in Huntsville, Texas?

    Car insurance in Huntsville costs $171 per month, on average. Drivers pay an average of $238 per month for full-coverage car insurance and $105 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • What are the best car insurance companies in Huntsville?

    State Farm is the best car insurance company in Huntsville, with an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Huntsville choices include USAA and GEICO.

  • Which company has the cheapest car insurance rates in Huntsville?

    State Farm has the cheapest car insurance in Huntsville, with liability rates averaging $37. You can also find low rates with GEICO and Mile Auto, which have liability-only rates of $40 and $48, respectively.

  • What is the minimum car insurance required in Texas?

    All drivers in Texas must carry car insurance. You must have at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance.

  • How much is car insurance per month in Texas?

    The overall average cost of car insurance per month in Texas is $178. Drivers pay $119 per month for liability coverage and $236 for full coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Texas Department of Insurance. "Auto Insurance Guide." Accessed September 12, 2023
  2. Texas Office of Public Insurance Council. "Understanding PIP vs Med-Pay." Accessed September 13, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed September 12, 2023
  4. Texas Department of Transportation. "Crash Contributing Factors." Accessed September 12, 2023
  5. Insurance Information Institute. "Auto insurance for teen drivers." Accessed September 12, 2023
  6. Texas Department of Insurance. "Credit Scoring and Insurance." Accessed September 12, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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